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The property is mixed use- it contains restaurant and a residence which I live in. The RPAPL Article 14 has changed several times in the last few years w/regard to whether non-judicial disclosures are permitted in NY and when, and I'm just not sure what could happen in my situation. Mortgage was signed w/Key Bank in 2010. Not sure it contains power of sale clause but im going to assume it does cause most mortgages do in some form or another. I defaulted in Feb with non-payment and I received a letter from the bank asking for the return of the collateral (the property at issue).